TAX-PLANNING.
DELAY NOW, REPENT LATER.
BEWARE
OF
MARCH
START YOUR TAX PLANNING
TODAY WITH AN SIP.
SYSTEMATIC
INVESTMENT PLAN
SMS “UTISIP” to 5676756
To know more about SIP,
visit www.beswatantra.com
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
THIS IS YOUR WAKE-UP CALL!
Losing out on time is losing out on wealth! You don’t need to wait till the end of a financial
year to invest in tax-saving instruments. Investing just before March will need you to shell
out a lump sum amount of ₹ 1.5 lakhs or more, leaving you short of liquid cash the next
few months! Plan ahead to avoid a situation like that. Let’s explore the investment option
to consider.
Where to invest to create wealth under section 80c?
Equity Linked Savings
Scheme (ELSS)
Equity
Hybrid
Unit Linked Insurance Plan
(ULIP)
PPF/ EPF/ VPF / NSC
Tax Saving Bank FDs,
Post Office Time Deposits,
Senior Citizen Savings Scheme
Fixed
Income
Others
Insurance Premiums,
Pension Premiums etc.,
Protection
Income
Wealth Creation
PPF- Public Provident Fund, EPF- Employees Provident Fund, VPF - Voluntary Provident Fund,
NSC - National Savings Certificate, Tax Saving Bank FDs – Tax Saving Bank Fixed Deposits
NOT JUST TAX-PLANNING, BUT LIFE PLANNING TOO.
All of us need to invest to achieve our desired life goals like property investment, medical
insurances, children’s education and marriage, to name only a few. Investment for tax
planning through mutual fund will give a double advantage of saving tax and achieving life
goals. Mutual Funds are not only the tax-saving instruments, but also the most preferred
investment option to help you achieve your life goals.
WHY CHOOSE
MUTUAL FUNDS?
Let us look at the advantages of investing in mutual funds,
which helps in saving taxes. Compared to other allowable
investments, mutual funds are uniquely advantageous. Here
are a few reasons:
Tax-saving mutual fund schemes are the only viable tax-saving
investment with the benefits of equity returns, within the ₹ 1.5 lakh limit.
Monthly Systematic Investment Plan throughout the year are not only
convenient for salaried employees, but also help avoid last minute rush.
Mutual funds make an excellent investment options owing to the
shortest lock-in period.
Rupee cost averaging – by investing every month, you can also benefit
from the volatility in the stock markets. You can lower your average cost
of investment by investing every month.
Higher returns – by lowering your average cost of investment, you can
increase your overall returns in the long run.
No liquidity crises – avoid being cash-strapped as you shell out ₹ 1.5
lakh at one go, by starting early!
WELCOME TO ELSS –
ONE SHOT, TWO TARGETS!
Equity Linked savings Scheme not only helps you save taxes, but also helps you gain more savings!
Here are a few benefits • Dual benefit: tax saving and wealth creation
• More organized tax savings with Systematic Investment Plan
• Tax-free returns on long term investments
• Short lock-in period of 3 years
• May provide regular returns with the dividend option even during the lock-in period
How does it compare with other tax-saving options?
Minimum
Tenure/
SIP
/
Investment Lock-in Interest
Return
Facility
period
Amount(`)
Tax Saving options
Maturity Amount
Taxability
Equity Linked Savings
Scheme (ELSS)
`500/-
3 Years
Market
linked *
Yes
Dividends & Long Term Capital
gains are tax free, subject to STT
Public Provident
Fund (PPF)
`500/-
15 years**
Fixed#
Not
available
Interest accrued is Tax-free
Tax-Saving Term Deposit
with Scheduled Banks
`100/-
5 Years
Fixed
Not
available
`5000/-
3-10 Years
Fixed
Not
available
`100/-
5 Years
Fixed#
Not
available
Interest is added to income
& Taxed accordingly
Interest is added to income
& Taxed accordingly
Interest is added to income
& Taxed accordingly##
Infrastructure Bonds
National Savings
Certificate (NSC)
* Market linked – Returns are subject to market risk.
** Premature withdrawal under PPF is available from 7th financial year. However, the full amount can be withdrawn after 15 years.
# Reviewed periodically. ## The interest portion reinvested is also eligible for tax rebate u/s 80C of IT Act , 1961
Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time.
For more information on the tax provisions, please refer to prevailing IT laws .
SIP – Systematic Investment Plan
For more information,
give a missed call on 8655097225
REGISTERED OFFICE: UTI Tower, 'Gn' Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone:
022 – 66786666. For more information, please contact the nearest UTI Financial Centre or your AMFI/NISM
certified UTI Mutual Fund Independent Financial Advisor, for a copy of Statement of Additional Information,
Scheme Information Document and Key Information Memorandum cum Application Form.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.